If you’ve ever looked longingly at a hot new bike and known that while you can totally afford it, taking it home would mean running up your credit card balance or emptying out your checking account, we have a solution for you.

The S-Card – easy and affordable financing from Specialized and GE Money, now available at Bicycle Therapy – is a great way to take home the bike you want, when you want.

It’s a quick application process, you can even do it online, and once you’re approved you can buy anything in the shop with a simple six month same-as-cash deal. Make the minimum monthly payments, pay off the balance on time, and you just got your new bike without paying interest, maxing out your Visa card, or having to go on a ramen-noodle-only diet.